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Finance Carnival For Young Adults- January 27 2013

Welcome to the January 27th edition of the Finance Carnival for Young Adults. Happy reading!

Steve @ Grocery Alerts writes Explaining the Target Red Card Loyalty Program – I wanted to share some valuable information with our Grocery Alerts readers about the popular Target loyalty program, Red Card. The Target Red card offers a flat five per cent discount on almost all purchases made with the chains debit or credit card.

Alice @ Hurricanes, Panties & Dollars writes Shopaholics are like Superheros - I ended up spending around 9 hours shopping (with an official shopaholic) by my side. When I finally got home, I was freakin’ exhausted; not mention broke as a…

Lance @ Money Life and More writes How Federal Tax Rates Work – Not What You May Think – Have you ever heard people complain that “The government taxes my bonus checks at a higher rate, even more than they take out of my regular paycheck!”? While more federal tax is withheld, you aren’t actually taxed anymore on this income. Intrigued or confused? Read on to learn more about why these commonly believed statements are FALSE!

Dividend Growth Investor @ Dividend Growth Investor writes Spring Cleaning My Dividend Portfolio – In a long term dividend portfolio, I expect that there will be lots of change occurring over time in both company’s business prospects and portfolio composition triggered by the business environment changes.

Robert @ The College Investor writes The “Magic” of Compound Interest: How $400 Today can be $1200 in the Near Future – When I put in my offer, though, I was interested to know what this mortgage would cost me, all in. So, like all things, I went to the internet, asked my question, and got a pretty decent answer. The calculator is used was on Zillow, but there are a million other mortgage calculators out there.

Robert @ My Multiple Incomes writes Do You Have a Hobby Business or a Real Business? – For many people, developing multiple income streams and side incomes starts as a hobby business. For a few, these hobby businesses turn into real businesses. Why does this matter?

Robert @ Entrepreneurship Life writes Dealing with Trouble Vendors – Right now, I am dealing with a difficult vendor and have to work hard to ensure an equitable result.

Theresa Torres @ The Black Perspective writes 6 Important Financial Decisions Young Professionals Face – Young professionals are faced with some tough decisions they have to make if they want to keep their future bright and their finances stable. Here are the areas where they need to think carefully and make the right choices.

Invest It Wisely @ Invest It Wisely writes 3 Ways to Impress Your Interviewer to Bag the Job – Three steps among the most fundamental that would witness a job seeker not only bag the job but also gain an impressive reputation with their employers.

Tushar @ Start Investing Money writes How the Commodities Market is Standardized – Most people have heard of the commodities market. But there is a big difference between knowing about it and understanding how it works. Commodities are so called raw products.

Corey @ 20s Finances writes How Much Money Do You Waste on Food? – Americans spend lots of money on food, yet a high percentage goes to waste. Find out how you can reduce spending by eliminated waste.

Ashley @ Money Talks Coaching writes Funding Your Business – I love small business! Entrepreneurship is the heart and soul of this country. Someone with a dream and the drive to go out make it happen.

Integrator @ Financially Integrated writes Building Wealth with dividends – One of the best kept secrets about dividends? They can make you passive income but also great wealth over time!

Justin @ The Family Finances writes What is an Offshore Investment – When you think of investing, offshore investments probably don’t even cross your mind. But they can actually be a useful part of a diversified investment portfolio.

A Blinkin @ Funancials writes The United States Will Absolutely Default – The Debt Ceiling debacle has posed a question to Americans: Will the United States, for the first time ever, default on it’s debt? The answer is absolutely, yes. The debt has grown too high for us to pay. We will not default in the traditional sense, but we will devalue the dollar so the end result is the same. The United States will absolutely default.

Jason @ Work Save Live writes How to Get Your Family On Board When Paying Off Debt – For some families embarking on their debt payoff journey, your family may be completely on board. However, the majority of you may be dealing with a spouse or kids who are reluctant to change their lifestyle, and honestly, who can blame them?

Tushar @ Finance TUBE writes Making Your Financial Goals a Reality in 4 Steps – Today we will be talking about Making Your Financial Goals a Reality in 4 Steps. With the New Year here you probably have a list of resolutions and financial goals you would like to accomplish this year.

Luke @ Learn Bonds writes The Yield Curve: What it is and How it Works – In this article we give the definition of the yield curve, the different types of yield curves, and how investors use this analysis in their investment decisions.

Jon the Saver @ Free Money Wisdom writes Buying and Selling Shares: The Basics – Buying and selling shares should not be the most complicated thing in the world. In fact, it should be relatively easy to perform and make money!

Amanda L Grossman @ Frugal Confessions writes Savings Accounts for Us Lower and Middling Sorts – Thomas Eddy and other businessmen and economists of his time believed that they had a cure to the alarming poverty rate levels in post-War of 1812 New York

SFB @ Simple Finance Blog writes 4 Ways To Save for Your Kid to Go to College – When it comes to saving money for your child’s college education, there are many, many ways to save.Here are four popular ways to save for your kids education.

Jon Rhodes @ Affiliate Marketing Blog writes How To Save Money AND Improve Your Life – It is possible to save money AND improve your life at the same time. It just requires the right mind set and some creative thought.

Marvin @ Brick By Brick Investing writes People Are Funny About Money – Addresses the harsh reality that we do not talk about money as much as we should.

John @ Fearless Men writes Most Common Money Lies We Tell Ourselves – We’re bombarded daily with Money Myths that get us thinking that financial wisdom doesn’t apply to us. Maybe the other guy, but not me. But then we’re in debt, part of a poor economy and a recession. The simple rule is we need to manage our finances better. Whether it’s living frugally, budgeting or saving.

Fig @ Figuring Money Out writes How to Use Credit Cards Responsibly – Credit card debt is horrible, but credit cards can be great if you use them responsibly. Learn how to use credit cards responsibly with a few simple tips.

Maria @ The Money Principle writes January – Time To Get Financially Fit – January is a time for re-newal; this includes dealing with your debts and becoming financially fit. Don’t panic, just act!

Ray @ Squirrelers writes The High Cost of Getting The Flu – Health and money can be related, as having trouble with one can impact the quality of the other. A good example is getting the flu, as preventing it can save quite a bit of money as detailed in this post

Hank @ Money Q&A writes The Rainy Day Account You Need To Have – In being prepared for emergencies, the top of the list is to have access to immediate cash to meet your obligations in the short term in a rainy day account.

Cat Alford @ Budget Blonde writes The Truth About Side Hustling – In this post, I highlight the truth about having a side hustle and give real life examples of my 1.5 years as a freelance writer. After reading this, you’ll know exactly what it takes to have a successful side career and a kick in the pants to jumpstart your own.

DPF @ Digital Personal Finance writes What is Your Online Home? – Time is money, as the saying goes. Along those lines, where are you investing our time online?

Steve @ 2013 Taxes writes TurboTax2012 System Requirements – Filing Tax is one of the tedious tasks to accomplish. However, since a last few years, there has been a change in the process.

Kyle @ The Penny Hoarder writes 5 Weird Ways to Save Money at Home – With home-related expenses on the rise, it’s not surprising that people are looking for creative ways to trim their expenses. Did you know you can do so in your very own home or neighborhood? With a bit of creativity and extra effort, you can easily trim your household expenses.

Suba @ Broke Professionals writes Professional Profiles: Afif, the Entrepreneur – Although he began his career in the legal field, Afif Ghannoum turned entrepreneur when he went into business with his dad, creating a line of oral antiseptics.

Your Boss @ What Your Boss Really Thinks writes Ask Your Boss: Is It Okay To Socialize A Lot With Co-Workers? – “Is it okay to socialize a lot with co-workers after work? What about during work hours?” Good questions! I, personally, am not a big fan of happy hours with co-workers for two reasons: When you share a drink or two, you relax, and you feel that you are more friends than co-workers.

Matthew Allen @ The Pay Off Credit Card Network writes Use a Credit Card Protector Sleeve to Avoid Unwanted New Debt – A few of the most common uses for a credit card protector sleeve are to protect yourself from payment fraud or identity theft, or just to keep your card nice and clean and neat looking. But, did you know that these sleeves can also be used to avoid spending and possible unwanted new credit card debt?

Sustainable PF @ Sustainable Personal Finance writes Are You REALLY Financially Responsible? – Most of us like to think that we are financially responsible. However, it’s very possible that you aren’t actually as financially responsible as you think.

krantcents @ KrantCents writes I Will Never Retire! – That’s right, I will never retire! Although I will retire from teaching in five (5) years, I know I will never just kick back and play golf, play cards or sit around. I saw firsthand how my mother worked part time into her mid eighties.

Passive Income Earner @ The Passive Income Earner writes Are Bonds as Safe as they Seem? – Bonds have a place in your portfolio, just make sure you get the right bonds.

Don @ MoneySmartGuides writes The More You Trade, The Less You Earn – If you are a regular reader to my blog, I recommend a buy and hold strategy when it comes to investing. You should invest in low cost, high quality mutual funds and avoid selling until you need the money.

Miss T. @ Prairie Eco Thrifter writes Is It Worth It to Purchase Insurance for Your Smartphone? – Purchasing cell phone insurance in an economy that is still trying to get back to some sense of stability, at the end of the day, is generating another bill. So, when it comes to making the ultimate decision about whether or not you should purchase insurance for your smartphone, here are five main things to consider:

Roger the Amateur Financier @ The Amateur Financier writes Five Steps to Meeting Your Goals – Ten days ago, the new year started, with many fireworks, much drinking, and as always, plenty of resolutions.

Michelle @ The Shop My Closet Project writes Spending Hangover-A look at what I spent last week – I am slowly opening up to the idea of sharing some numbers. Today I am going to share some of my spending from the past week. Once a month I’m will share a random week us it as a snapshot of what I’m doing with my money.

Eddie @ Finance Fox writes Doing Business With Friends – Could It Work? – Doing business with friends can sometimes have negative results despite our best intentions. Even with our best hopes, wants and intentions – results can be negative.

Mike @ Personal Finance Journey writes Parting with Your Debt for Good – Smart simple and easy to implement ideas on paying off your debt and keeping your household debt to a minimum.

Wayne @ Young Family Finance writes Business Day TV Features Craters and Freighters – Craters and Freighters is shipping expert that does both domestic and international shipping. Business Day with Terry highlights how they meet shipping needs.

Jules Wilson @ Faithful With a Few writes Discovering the Right Business for You – With the economy showing little hopes of improving greatly, more people are looking to start their own business. Here’s how to discover the right one for you!

Investor Junkie @ Investor Junkie writes Why You Should Keep Business and Personal Separate – It’s true that running your business as a sole proprietorship can be really easy in terms of paperwork. However, this business organization doesn’t adequately separate your business activities from your personal activities. While this might not seem like such a big deal, the reality is that it can be an issue if your business is sued.

John S @ Frugal Rules writes Should I Invest in Mutual Funds or ETFs? – There are various similarities as well as differences between mutual funds and etfs. If you do some simple homework you can determine which funds are better for you while also keeping down the costs associated with investing.

Lazy Man @ Lazy Man and Money writes Unemployment Adventures: Shall I Ditch This or Keep It? – I’ve cut and cut but I still can’t make ends meet on meager and rapidly-diminishing unemployment, or on the few part-time filler jobs out there. My small savings has been decimated. Scaling back doesn’t mean I have to live in a hovel and eat bread and water. But it does require making adjustments in the household budget.

Mike @ Modest Money writes The Fastest Way to Get Started Flipping Houses – I meet many people who want to learn how to get started flipping houses. Many of them seem to want to do their twelfth house flip before they have even done their first one.

J.P. @ Novel Investor writes How To Save More Money Now – Savings is the foundation of a successful financial plan. That is why many of us want to save more money now. The hard part is knowing where to start.

Will @ Card Guys Blog writes Do You Have a Spending Plan? 3 Budgeting Strategies to Try – If you want to take back control of your finances, you need to have some sort of budgeting strategy. One type of strategy doesn’t work for everyone, though. Here are 3 different budgeting strategies you can try.

Little House @ Little House in the Valley writes Need Help Visualizing Financial Decisions? Try Planwise – There’s a free tool available online called Planwise. It’s a free online personal finance decision tool that allows you to input your expenses and income and set goals for yourself, such as pay down debt, buy a house, or take on a major expense. It also predicts your progress on paying off debt and potential affect of saving the remainder of your income through bar and line graphs.

Alexis @ FITnancials writes Journey To Fit – Welcome to my blog everyone! My name is Alexis, a 19 year old aspiring Personal Trainer/Fitness Nutrition Specialist.Read further on my “About” page. I also plan on getting my bachelors degree in Exercise Science or Nutrition. I’m from Saint Louis, Missouri USA. I first started on Instagram and now I finally have a blog

Suba @ Wealth Informatics writes Make more money: 9 reasons why you are NOT earning more money – f only I could make more money, I would save more and everything will be great – How many of have felt this way? If you do want to earn more money, what has been holding you back? I have compiled a list of reasons why you are NOT earning more money.

Andrew @ 101 Centavos writes Stupid Labeling Tricks – What’s not to like from organic whipping cream and kefir? Kefir will keep your gut well-populated with new lactobacillus and saccharomyces probiotic bacteria. Be like Turkish an Greek shepherds, drink a daily glass of kefir with your morning bread and olives, and live well into cantankerous old age (without getting into a border war over a little island). Simple stuff. And yet, labels are totally confusing.

KK @ Student Debt Survivor writes Personal Finance is Personal-Butt Out – If you share details about your personal finance situation with your friends and peers should you expect that they offer advice? Are you annoyed when they do?

Glen Craig @ Free From Broke writes The Best 0% Balance Transfer Credit Cards 2013 – Pay off your credit card debt faster with the a 0% balance transfer credit card. Here are the best 0% balance transfer credit cards that will help you pay down your principal.

Ray @ Financial Highway writes RRSP Deadline 2013 – Limits & Options – The RRSP season is upon us! Every bank, every bank branch and every teller will remind you to contribute to your RRSP before the deadline. If you have a financial advisor, they have probably already contacted about your RRSP contribution. With so many people vying for your RRSP contributions, who should you trust?

Jacob @ My Personal Finance Journey @ My Personal Finance Journey writes How Not to Buckle Under Pressure When Everything is Happening at Once – Have there been times in your life when you’ve felt too much is going on for you to handle? This post describes ways to avoid this trap and how to handle situations where there is a lot going on all at once.

Marie at FamilyMoneyValues @ Family Money Values writes Avoiding the High Cost of Senior Divorces – Encourage your folks NOT to divorce. It may affect their ability to support themselves, and consequently, your finances! Ideas on how to avoid elder divorce, but what to do to protect finances if it is inevitable.

Bryan @ BryanMaltier.com writes How To Help A Friend In Financial Trouble – We all want to be nice and caring individuals, especially with our friends and family. Unfortunately, what happens when you have a friend in financial trouble? Mixing personal relationships and money can be tricky. Learn more about things to consider before helping a friend in financial trouble.

Emily @ Evolving Personal Finance writes Frugal Practices I’ve Grown to Love – I list six practices that save us money that I wasn’t crazy about to begin with, but now wouldn’t give up.